After you meet your deductible
If you are at fault, your policy will pay for the other person's damage under your property damage coverage. If you have collision coverage, you will have to pay your deductible if you are at fault.
If you had a collision and the other party does not have insurance, you would have to pay the deductible. Your insurance company would pay for any needed repairs.
Your collision coverage should pay for the damage caused by hitting the tree.Comprehensive insurance covers water damage, hail and flood. However, in your scenario, the damage was only indirectly caused by the water. Damage to your car caused by hitting another car or a fixed object is paid for by your collision coverage.
Comprehensive insurance typically covers theft and damages to your car from natural disasters like fire, flood, or hail. This coverage is optional but is recommended for protecting your vehicle from a variety of non-collision related incidents.
They will not pay for a new roof. Roofs are not covered due to wear, tear or faulty installation. They will not pay to fix the roof if you have a leak unless in suffered wind or hail damage. They will pay for a roof due to any sudden and accidental damage like fire, wind, hail or falling object.
Homeowners typically do not have to pay for damage from hail if they have comprehensive homeowners insurance that covers such incidents. Most policies will cover the cost of repairs to the home and any personal property affected by hail damage, minus the deductible. However, if the damage exceeds the deductible amount, homeowners will need to cover that portion out of pocket. It’s important for homeowners to review their insurance policy to understand their coverage and any potential out-of-pocket costs.
no, the person driving the car will be 100% responsible. i had that happen to me in the states and his auto ins didn't cover someone intoxicated, but he still had to pay, through court.
collision coverage
It should if they have property damage liability.
HIRE AN INDEPENDENT APPRAISER. FROM INS AGENT IN TX
Collision coverage pays to repair or replace your vehicle if you are determined to be 'at-fault' (you caused the accident). Typically, a deductible (amount you pay out of pocket) applies to this type of coverage. The most common deductibles are $500 to $1000, but can be lower or higher. Comprehensive (also known as "Other Than Collision") coverage is usually included on policies with Collision coverage. It covers theft, vandalism, flooding, fire, animal damage, glass damage (not caused by a collision) and severe weather damage (hail, wind, tornado, hurricane, etc). If a vehicle is financed, both of these coverages are considered mandatory to protect the lender. Collision claims will usually cause your insurance rate to increase at your next renewal. Most insurers don't penalize you for Comprehensive claims because they weren't caused by your negligence.
The insurance will pay for your damage if you have insurance from underinsured motorists. Otherwise, the motorist will pay for it who doesn't have insurance if they have any money.